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La Capitol Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
4.25%Reward CheckingAll Access Advantage Checking
1.40%5-year CD5 Year Thrifty Saver Share Certificate
0.35%1-year CD1 Year Thrifty Saver Share Certificate

Overview / Commentary
225-342-5055
700 Main St
Baton Rouge, LA 70802-5501

La Capitol Federal Credit Union is headquartered in Baton Rouge and is the 5th largest credit union in the state of Louisiana. It is also the 525th largest credit union in the nation. It was established in 1961 and as of June of 2017, it had grown to 183 employees and 50,920 members at 18 locations. La Capitol Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to anyone through membership in the Louisiana Association for Personal Financial Achievement ($20 annual dues). Membership is open to the following: (1) those who live, work, worship, or attend school in the City of Baton Rouge or in the Parishes of Allen, Grant, Lincoln, Natchitoches, Ouachita, Rapides, Terrebonne or Tangipahoa; (2) students of University of Louisiana at Monroe, Louisiana Tech University, Northwestern State University, Southeastern Louisiana University, Delgado Community College, Nunez Community College, or Baton Rouge Community College; (3) employed by an agency of the state of Louisiana not already covered by a credit union and to immediate family.
See current membership details

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Reviews (3)

Membership

Posted by: gremln007 | Feb 18, 2012

Just posting to advise that anyone can join credit union by joining Louisiana Association for Personal Financial Achievement (ACHIEVE) for $5/year.  Web site for ACHIEVE is: www.lapfa.org.

It is unclear to me at the moment if you have to be a LA resident to join ACHIEVE.  I will post again if I can figure this out.

Very Disorganized And Difficult To Use

Posted by: LeslieAT1 | Jul 19, 2017

In opening a saving account and Visa credit card at La Capitol I have had one problem after another. The website is difficult to use, and the forms sometimes don't function properly. I have had to submit the same form regarding autopay three times, and getting auto pay turned off has taken 4 months. They keep charging my saving account for each of these overdrawn payments (which I keep asking to have turned off, as I mail my payments for the credit card each month). Hold times are long, and most of the time the person I speak to "doesn't have the authority" to do most things I am asking about. As soon as I pay my credit card off, I will with a sigh of relief close the checking account I am required to keep as part of my credit card agreement. I have literally spent HOURS on the phone this year with La Cap, and look forward to a time when my debt will be paid, or held by another company. Sad, as I am a big supporter of credit unions. If you can open an account somewhere else, I highly suggest it.

Very Disappointed Former Customer

Posted by: tmm | Aug 17, 2012

Being a previous loan customer apparently means nothing to LA Capitol. Tried to finance another loan through them and instead of being willing to do a little extra work to help us they just tell you no because they can't verify information. Well, if you don't try then you definitely can't. Terrible attitude from rep working with us and an unwillingness to do a small amount of work to earn business and help a potential customer. Apparently LA Capitol has all the business they need if they treat people like this! If you are looking for an auto loan and want someone who will "work" for you don't bother going to LA Capitol.



Health

Health Grade Components

Overall
NCUA #14568
Year Chartered1961
Employees183
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.19%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$505.0MM$476.9MM
LoansQ2 2017vs Q2 2016$332.5MM$330.1MM
DepositsQ2 2017vs Q2 2016$445.5MM$419.9MM
Equity CapitalQ2 2017vs Q2 2016$56.5MM$53.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$2.2MM$1.9MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.3MM$2.6MM
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

La Capitol Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%-$5kIRA Plus Account with La Cap Checking
4.00%-$5kRoth IRA Plus Account with La Cap Checking
0.30%-$5kIRA Plus Account
0.30%--IRA Floating Rate Account
0.30%-$5kRoth IRA Plus Account
0.30%--Roth IRA Floating Rate Account
0.30%--CESA Floating Rate Account
0.30%--CESA Floating Rate Account with La Cap Checking
0.30%--IRA Floating Rate Account with La Cap Checking
0.30%--Roth IRA Floating Rate Account with La Cap Checking
0.25%$5k-Elite Saver Savings
0.15%$100-Regular Savings
0.15%$100-Special Savings
0.15%$100-Christmas Club Savings

La Capitol Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*-$5kAll Access Advantage Checking
OTHER TIERS: 0.15% $5k+
0.15%$2,500-Liquid Assets Checking

La Capitol Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$100k-5 Year Super Saver Share Certificate with La Cap Checking
1.90%$500-5 Year Thrifty Saver Share Certificate with La Cap Checking
1.80%$100k-4 Year Super Saver Share Certificate with La Cap Checking
1.70%$500-4 Year Thrifty Saver Share Certificate with La Cap Checking
1.50%$100k-5 Year Super Saver Share Certificate
1.40%$500-5 Year Thrifty Saver Share Certificate
1.40%$100k-3 Year Super Saver Share Certificate with La Cap Checking
1.30%$100k-4 Year Super Saver Share Certificate
1.30%$500-3 Year Thrifty Saver Share Certificate with La Cap Checking
1.20%$500-4 Year Thrifty Saver Share Certificate
1.15%$100k-2 Year Super Saver Share Certificate with La Cap Checking
1.05%$1k-2 Year Thrifty Saver Share Certificate with La Cap Checking
0.95%$100k-1 Year Super Saver Share Certificate with La Cap Checking
0.90%$100k-3 Year Super Saver Share Certificate
0.85%$1,500-1 Year Thrifty Saver Share Certificate with La Cap Checking
0.80%$500-3 Year Thrifty Saver Share Certificate
0.65%$100k-2 Year Super Saver Share Certificate
0.55%$1k-2 Year Thrifty Saver Share Certificate
0.45%$100k-1 Year Super Saver Share Certificate
0.35%$1,500-1 Year Thrifty Saver Share Certificate
0.30%$2,500-6 Month Share Certificate
0.15%$5k-91 Day Share Certificate

La Capitol Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$5k-2 Year IRA Certificate Account with La Cap Checking
0.35%$5k-2 Year IRA Certificate Account
Locations

Availability

Baton Rouge Area

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